What is E-5 BAH at Providence in 2026?

$3,195 per month with dependents ($38,340 per year), effective 01 JAN 2026. without dependents it is $2,682 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-5 BAH at Providence 2026 — $3,195/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Providence, RI

E-5 · with dependents

$3,195/ month

$38,340 / year

At E-5, this is #43 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA RI257 · ZIPs 01504 01529 02019 02038 02070 02093 +96 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$4,096 / mo gross

Other dependency status here$2,682 without dependents

In government quarters, no dependents$50.10 / mo partial

Providence — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$3,045	$2,283
E-2	$3,045	$2,283
E-3	$3,045	$2,283
E-4	$3,045	$2,283
E-5	$3,195	$2,682
E-6	$3,456	$2,907
E-7	$3,657	$3,048
E-8	$3,876	$3,255
E-9	$4,101	$3,324
Warrant officer
W-1	$3,477	$3,006
W-2	$3,747	$3,252
W-3	$4,017	$3,333
W-4	$4,131	$3,498
W-5	$4,272	$3,708
Officer — prior enlisted
O-1E	$3,699	$3,192
O-2E	$3,978	$3,306
O-3E	$4,152	$3,447
Officer
O-1	$3,234	$2,892
O-2	$3,453	$3,150
O-3	$4,008	$3,357
O-4	$4,317	$3,669
O-5	$4,533	$3,792
O-6	$4,572	$3,996
O-7	$4,608	$4,068

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month

San Francisco$5,127

Portland$3,252

Indian Head Navordsta$3,249

Sitka$3,210

San Luis Obispo$3,198

Providence$3,195

Manchester$3,177

County Cost Group 890$3,156

Seattle$3,135

Washington$3,132

Anniston$1,185

Providence is #43 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Providence0 – $4,608 / month

E-1$3,045

E-2$3,045

E-3$3,045

E-4$3,045

E-5$3,195

E-6$3,456

E-7$3,657

E-8$3,876

E-9$4,101

W-1$3,477

W-2$3,747

W-3$4,017

W-4$4,131

W-5$4,272

O-1E$3,699

O-2E$3,978

O-3E$4,152

O-1$3,234

O-2$3,453

O-3$4,008

O-4$4,317

O-5$4,533

O-6$4,572

O-7$4,608

Promoting to E-6 here adds $261 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Providence to San Francisco at E-5 is worth $1,932 a month — about 7 promotions worth of housing allowance, at $261 per grade here.

Dependency status is worth 19% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $3,195 a month of BAH takes more than $3,195 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

E-5 with dependents at Providence draws $3,195 per month in 2026

What this rate means

Things the rate table doesn't tell you